Product Philosophy
Product Philosophy
Why Our Flexi Regular + GHK Wellness + Cancer Fighter Fits You
Author
Bowtie Team
Updated on
2025-12-29
Disclaimer: This article is translated with the assistance of AI.
If you’re without insurance and prefer a standard ward when ill, opt for Bowtie VHIS Flexi Regular combined with GHK Wellness Package and Cancer Fighter 3M for all-round protection. Curious why? Dive into the details below!
Excellent value for money, just HK$511* per month for full reimbursement coverage^
- * For a 30-year-old non-smoking male
- ^ Full reimbursement is subject to the annual benefit limit of Bowtie VHIS Flexi Regular
Reason 1: You Don’t Have an Existing Insurance
If you have never taken out any insurance, we recommend choosing a plan with ” no deductible ” . Both Bowtie VHIS Standard and Bowtie VHIS Flexi Regular and Flexi Plus have no deductible. Even for small medical expenses, you can get reimbursed without paying anything out of pocket .
Reason 2: You Prefer Staying at a Ward
If you prefer staying in a “ward” when ill, opt for the ” Bowtie VHIS Flexi Regular + GHK Wellness Package + Cancer Fighter ” combo . It covers hospitalization, check-ups, and surgery costs for ward rooms adequately.
Medical Insurance Combo Guide
| Bowtie VHIS Flexi Regular |
Bowtie GHK Wellness Package | Bowtie Cancer Fighter 3M (Cancer Insurance) |
|
| Coverage | General hospitalization, day surgery , and some outpatient treatments |
Full reimbursement^ for specified medical package expenses (One annual health check-up and other optional health services) |
For cancer treatment, full reimbursement from diagnosis to palliative care expenses |
| Monthly Premium* | HK$254 | HK$200 | HK$57 |
| Learn about VHIS Flexi Plan | Learn about GHK Wellness Package | Learn about Cancer Fighter |
- ^ Full reimbursement is subject to the annual benefit limit of Bowtie VHIS Flexi Regular
- * Based on a 30-year-old non-smoking male
If your budget is tight, consider getting Bowtie VHIS Standard , with monthly premium* as low as HK$124
- * Based on a 30-year-old non-smoking male
Key Notes for This VHIS Combo in HK
| Bowtie GHK Wellness Package | |
| Key Notes |
|
Why Not Buy High-End Medical Insurance?
You might wonder: ” Why not just get a high-end medical insurance plan (like Bowtie Pink ) instead of buying 3 separate policies for full coverage? ”
Simple—it’s cheaper on the premiums!
| Bowtie Pink (Ward) ($0 Deductible) | Bowtie VHIS Flexi Regular + GHK Package + Cancer Fighter 3M | |
| Premium* | HK$702 | HK$511 |
- * Based on a 30-year-old non-smoking male
When getting high-end medical insurance , most people opt for plans with “high deductibles” to cut down on premiums, then use their existing coverage ( company medical insurance / other personal medical plans) to offset that ” deductible “.
But if you don’t have any medical insurance yet, having to pay tens of thousands of dollars out-of-pocket each year before getting reimbursed just doesn’t make sense.
On the flip side, going for a “HK$0 deductible” plan means premiums that are way too high , which also isn’t practical. That’s why we recommend the “Bowtie VHIS Flexi Regular + GHK Wellness Package + Cancer Fighter 3M”.
If you have some extra budget, you might also consider Term CI , Bowtie Term Life and Touch Wood Protector . Each type of insurance serves a different purpose. If you need more comprehensive protection, check out Bowtie’s other products.
| Insurance Plan | Purpose | |
| Term CI | Supports living expenses during illness when there’s no income | Learn More |
| Bowtie Term Life | Provides financial security for your family after passing | Learn More |
| Touch Wood Protector | Covers treatment costs from accidental injuries, including hospitalization and outpatient care | Learn More |
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